Refinance Your Home Loan and Start Saving
At HomeLoan 4 You, we help first home buyers and upgraders access the property market sooner with the support of a family guarantee loan. If you have a parent or close family member willing to offer part of their home’s equity as security, you may be able to borrow up to 100% of the purchase price - without needing a large deposit or paying lenders mortgage insurance (LMI).
A family guarantee is one of the most effective ways for buyers to overcome the deposit hurdle and secure a home with confidence. We guide you and your guarantor through the process to make sure everyone understands the commitment and the benefits.
How Family Guarantee Loans Work
At HomeLoan 4 You family guarantee home loan allows a family member – usually a parent – to use the equity in their home as security for your loan. This means you can:
- Borrow up to 100% of the property value
- Avoid paying lenders mortgage insurance (LMI)
- Enter the market sooner, even with a small or no deposit
The guarantor doesn’t need to give you cash. They offer part of their property (e.g. 20%) as additional security. As your loan is paid down or your property increases in value, the guarantee can be removed.
How We Can Help
We specialise in helping families use guarantee loans responsibly, with the right protections in place. Our services include:
Loan structuring with guarantor support
Home Loans 4 You set up the loan so only the guaranteed portion is secured against the family property.
Advice on eligibility and lender policies
Not all banks allow family guarantees – we compare options across 40+ lenders to find the right fit.
Exit strategy planning
We help you understand how and when the guarantor can be released from the loan.
Risk management for the guarantor
We help your family member fully understand their obligations and how their property is affected.
Clear support at every step
From application to settlement, we keep you and your guarantor informed throughout the process.
Is a Family Guarantee Loan Right for You?
Family guarantee support may be suitable if:
- You’re a first home buyer with little or no deposit
- You want to avoid paying lenders mortgage insurance (LMI)
- Your parent or close family member owns a property with enough equity
- You have a stable income but are finding property prices a challenge
- You want to buy now rather than spend years saving a deposit
If you’re unsure whether a family guarantee is possible, we can assess your situation and explain your options.
Why Choose HomeLoan 4 You?
Combining family and finance can be a big decision. We offer support that aligns with your property goals – and respects the interests of everyone involved.
We explain everything clearly
No surprises – just straightforward help so everyone knows what’s involved.
We work with all major lenders
Some lenders are more flexible with family guarantees – we compare them all to find the right match.
We prioritise family protections
We structure loans to limit the guarantor’s exposure and help reduce the guarantee as quickly as possible.
We make approval easier
With access to 40+ lenders and experience, we can present your application strongly.
We handle all the paperwork
From start to settlement, we take care of the details.
We support you after settlement
We stay in touch to help you refinance or remove the guarantee when the time is right.
Frequently Asked Questions
It’s a home loan where a family member offers part of their property equity as additional security - helping you buy a home without a large deposit or paying lenders mortgage insurance (LMI).
Usually, a parent or close family member (such as a sibling or grandparent) can act as a guarantor, depending on the lender’s policy.
No. The guarantor is not giving cash - they’re offering equity in their property as security for part of your loan.
If you default on the loan and the property is sold for less than owed, the guarantor may be liable for the guaranteed portion. We help limit this risk with proper loan structuring.
Yes. Once your loan to value ratio improves, the guarantor can be released from the loan.
Secure Your Home with Family Support
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